Ustinility Eport - Gemperle

1y ago
15 Views
2 Downloads
7.56 MB
28 Pages
Last View : 5d ago
Last Download : 3m ago
Upload by : Lucca Devoe
Transcription

Sustainability Report2022April 2022

Dear Readers,Welcome to Gemperle Family Farms’ first comprehensive public sustainabilityreport. We farm eggs and almonds, and sustainability has always been inherent in how we farm.However, in the past, we just didn’t talk about it; we lived it. Now we believe that it’s importantfor folks to know more about who we are and how we farm.We are farmers who believe in “doing the right thing” for future generations. Our parents,Ernie and Annemarie Gemperle, instilled strong environmental values in their seven children. Wehold deep respect and are deeply grateful for our agricultural land and environment, and the animals, customers, and employees that we interact with daily. Our generation is merely a temporarysteward of our agricultural land, air, and water—they belong to future generations. Therefore,in each decision we make we ask ourselves, “How will this affect the Earth’s children two generations from today?”We are science-based farmers, constantly involved in research and development projects toimprove our farming systems and processes. Curiosity, forward thinking, and the desire to be “thebest farmers we can be” is at the heart of what we do every day.This report is a baseline of where we are today and what we have achieved since the 1950s,along with a set of target goals. While this report is not part of an official certification, it is an effortto provide transparency to our customers and community. We look forward to keeping you informed of our sustainability goals, projects, initiatives, and achievements.Sincerely,The Gemperle Family

ContentsAbout Gemperle Family Farms: Our History, Our Eggs, Our Almonds 4Our Core Mission 4Highlights: Accomplishments of Past 5 Years 5Goals for 2022 7Environment: It Belongs to Future Generations 8People: Employees and Workplace 17Our Food Products: Eggs & Almonds 18Community: Philanthropy and Involvement 22UN Sustainable Development Goals (SDGs): Our Commitment 25Conclusion 27

GAbout Gemperle Family Farms:Our History, Our Eggs, Our Almondsemperle Family Farms is family owned and operated and has been farming eggs since1950. It all began with Ernie Gemperle and his wife Annemarie emigrating from Switzer-land and founding their first egg farm in the Central Valley of California. They started with 6000hens and an egg retail store behind their home. The almond production side of our farm began in1961, when Walter Gemperle, Ernie’s brother, emigrated from Switzerland.Gemperle Family Farms is now one of the leading producers of premium organic and cagefree eggs in Northern California and the Western US. Since the 1990s, Gemperle Family Farmshas been converting barns to aviary systems for cage-free and organic production. In May 2021,Gemperle Family Farms completed the conversion and became 100% cage-free in California.All hen houses are surrounded by sustainably farmed almond orchards, which are part of theBlue Diamond farmer’s cooperative. We farm many different varieties including Nonpareil, Independence, Sweetheart, Butte, Padre, and others. We have both “conventional” and Certified Organic orchards and are continually working to increase our organic acreage. Our almond farmswork in symbiosis with our poultry farms, and each benefits from the other.Our Core MissionTo produce nutritious,high-quality, safe food for today,while preserving the environmentand land for the future, andfostering thriving employeesand communities4

Highlights: Accomplishments of Past 5 Years We completed our 100% cage-free egg production conversion in California in May 2021, seven monthsahead of schedule. We’ve reduced CO2 emissions by 25% in our organic division as measured through Cool FarmInitiative modeling tools. We have focused on animal behavior and improving equipment to meet the needs of our hens. Ourleading-edge engineering team has made impactful changes to industry standards of operation. Our poultry division has used advancedventilation engineering to dramaticallyreduce our PM 5 and PM 10 emissions topromote a healthier environment whereour employees and hens can thrive. Through intensive research and development, our egg production uses 25% lessfeed and energy than our older egg barns.Our new barns are designed to use animalfeed and energy very efficiently. This allows us to produce cage-free eggs with amuch lower environmental footprint thanthe average egg farmer. We have made great strides at increasing worker safety. We have added robotics to our processingplants to eliminate repetitive motion injuries and modified our poultry equipment with a focus on ergonomic design to make the facility not only hen friendly but worker friendly as well. We eliminated the use of traditional rodenticide in our organic egg barns. In 2021, we started to betatest a new mechanical rodent control device. This new system could allow us to completely eliminateour dependence on rodenticides. This would also be greatly beneficial to our promotion of owls in ouradjacent orchards. We converted more than 80 acres of almond orchards to Certified Organic production.5

All of our almond orchards have been assessed across nine aspects of sustainability through the California Almond Sustainability program. All of our almond orchards are enrolled in the Blue Diamond Orchard Stewardship Program at the highest level. The program encourages growers to use a set of best practices around orchard management,environmental issues, occupational health and safety, and community investment. Approximately 5550 metric tons of CO2e are sequestered on our orchards annually using soil healthpractices (based on COMET-Planner calculations). We installed a 143 kWp solar photovoltaic system in our almond division, which produces approximately228,514 KWh of electricity per year. Gemperle Family Farms actively took the initiative to deal with COVID-19. Early in the pandemic, customface masks were made for our employees when there was a shortage of N95 masks. Temperature monitoring was conducted before it was required. We managed to maintain a safe environment for our employees while providing essential services for our community. We started the Gemperle Family Farms college scholarship program in conjunction with the StanislausCommunity Foundation.Green Economy: It’s How We FarmSupporting the Green economy is at the heart of what wedo every day. At Gemperle Family Farms, we know that ourworld’s future is dependent on moving toward a Green economy. A Green economy is defined as low carbon, resource efficient, and socially inclusive. We continue to focus our egg andalmond farm improvements on assets and processes that reducecarbon emissions, use energy and resources efficiently, andprevent the loss of ecosystem biodiversity. We understand thatnatural capital is an economic asset that benefits the local community and the world community at large.6

Goals for 2022 Transition 116 acres of almond orchards to organic production by 2025. Whole Orchard Recycling has been implemented on 500 acres, and an additional 150 acres isplanned by 2025. Double our photovoltaic solar generation by 2025. Explore opportunities to further reduce waste and increase the use of recycled materials, and analyze market opportunities for by-product waste in both almond and egg farming. Employ regenerative farming practices to sequester 6100 metric tons of CO2e annually on our landby 2025. Establish habitat on our land for endangered species, including monarch butterflies and otherpollinators. Continue to donate 350,000 to 500,000 eggs per year to local nonprofits and those in need. Implement groundwater recharge projects on our land to help replenish our aquifers. Complete remodels of egg barns to enhance their environmental sustainability, reduce energyusage, and improve hen welfare. In egg production, reduce downtime and food waste from breakdowns by 75%. Improve our controlsystems to have greater resilience in system designs and allow a more predictive preventativemaintenance program. Start planning our future free-range and pastured egg farm on a site we have currently identified.We will focus on sustainability with a look at the symbiotic relationship between the orchards andhens. Environmental sustainability will be the focus of the project. Continue to develop our modeling tool to accurately measure our carbon emissions and carbonsequestration, and monitor improvements over time.7

Our generationis merely atemporary stewardof our agricultural land,air, and water—theybelong to futuregenerations.Environment: It Belongs to Future GenerationsGemperle Family Farms’ values encompass strong environmental stewardship. Our family stronglybelieves that our generation is merely a temporary steward of our agricultural land, air, andwater—they belong to future generations. We are in the process of fine-tuning our modeling toolto better measure our carbon emissions and carbon sequestration and to monitor improvementsover time. Read about our progress, programs, and projects that tell our environmental story.Water Conservation and Water QualityAn integral part of our farming practices includes the efficient use of water, avoiding water qualityimpacts, and helping achieve sustainability in our groundwater reservoirs. Highlighted below aresome of our projects and processes: Our egg processing plant uses gray water to irrigate natural vegetative habitat (since 1989). Efficient nipple drinkers reduce water waste and minimize water leaks in our egg laying barns. Thisimproves manure management by keeping the manure dry and therefore eliminating the potentialfor fly breeding (100% conversion since 2008). Many of our layer barns have attached covered manure storage sheds to prevent rainwater fromleeching nitrates from the manure into the ground. Orchards are irrigated using micro-irrigation (since 1998), and irrigation amount is scheduled usingsoil-moisture sensors, soil neutron probes, and average and real-time evapotranspiration data.8

Distribution Uniformity (DU) tests are used to measure the efficiency of our irrigation systems. Piezometers are used to monitor the water leaching from our orchards, and annual monitoring hasshown no nitrate leaching into groundwater. Groundwater recharge projects are in development on two sites to help replenish our groundwaterreservoirs. We implement practices on our orchards that are known to increase the water-holding capacity of oursoils and avoid negative effects on water quality.Energy Efficiency/ReductionGemperle Family Farms is constantly evaluating farming methods to increase energy efficiency and toreduce energy usage in almond farming and egg processing and production. Some of our practices include the following: Our egg processing facilities are cooled by energy-efficient evaporative cooling instead of refrigeration,which saves energy (since 1980). We have upgraded 75% of our electrical systems since 2018 with a focus on reducing energy consumption per egg produced. We have gained 25% efficiency over the last 7 years. Our new construction uses LEED design concepts to improve ventilation design efficiency and reduceenergy requirements. The energy we source for our egg and almond farms is 60.7% carbon-free. In 2016, we substantially reduced our carbon footprint by constructing our first solar panel array inour almond orchards. This array offsets the electrical power consumed for irrigation systems. The system produces approximately 228,514 kWh of electricity per year, avoiding 160 tons of CO2 emissionsper period.9

100% of our lighting has been switched to LED in our egg barns and processing plants. We plan to install another photovoltaic solar system on our almond land, which will double ourproduction capacity. Synthetic fertilizers are used sparingly in our orchards, thus avoiding the energy-intensive HaberBosch process needed to fabricate synthetic fertilizers. Using on-farm inputs for our nutrient management also eliminates the need to transport fertilizers to our orchards. Sixteen old tractors were replaced with lower-emission ones that have Tier 4 engines with thestrictest EPA emissions standards. Electric utility terrain vehicles (UTVs) are used in the orchards. Orchards are managed to minimize the amount of tractor passes needed, saving energy and fuel.Soil Health/Nutrientand Land ManagementNurturing our land and soils for futurefarmers is the core of our farming philosophy. Soil conservation is managed withlong-term soil health and fertility as a primary goal. Our operation uses only minimal manufactured petrochemical-basedfertilizers. Soil fertility is maintained usingprimarily composted and semi-compostedpoultry manures from our hens. Our almond production division works in conjunction with our poultry division to use a substantialpercentage of our chicken manure in-house. Chicken manure is applied using precise nutrient management to protect groundwater and reduce greenhouse gas (since the 1960s). Manure management is an integral part of our land management. Manure is removed from eggfarms in a timely manner. We either use the waste on our own almond operations according to ournutrient management plans or we sell to a responsible fertilizer broker.10

Reduced tillage is used in all of our orchards. We till only 25% of an orchard in a year in order to incorporatethe manure amendments for food safety and nutrient use efficiency, and to avoid losses to the atmosphere. Cover crops are planted on over 65% of our orchards. Orchards that do not have a planted cover crop have resident vegetation growing between the trees. Cover crops are a sustainable source of nutrients, and keeping theground covered with plants has many soil health benefits.Integrated Pest Management (IPM)Integrated Pest Management (IPM) is a crucial part of our sustainable pest control. The philosophy of IPM is that chemicalsare not the basis for pest control, but are instead used only asa last resort and used in ways to avoid potential problems oftoxicity and resistance. Our manure management plan incorporates the use of beneficialinsects to prey on flies and fly larvae. We have greatly reduced theneed for insecticides in layer barns (since 1990). We eliminated the use of traditional rodenticide in our organic eggbarns. In 2021, we started to beta test a new mechanical rodentcontrol device, which may allow us to completely eliminate ourneed for the use of rodenticides in our barns. This also ensures thehealth of our resident owls. We incorporate minimal use of pesticides, herbicides, artificial fertilizers, and fungicides on our conventionalalmond orchards because of our strong integrated pest management program (since 1960s). Rodents are controlled by owl predators in both our almond fields and outside of our egg barns. Over 40 owlboxes have been installed in our ranches and orchards. We maintain hedgerows and habitat for natural predators to keep pest populations in balance and reduce theneed for pesticides. We have started using pheromone mating disruption, which is a safe, chemical-free form of pest control. If chemicals are used, we use IPM Prime software to be aware of any potential unintended consequences. Thisinnovative online tool ranks pesticide products for impacts on birds, earthworms, small mammals, aquatic ecosystems, and worker/bystander health and safety.11

Recycling and Waste ReductionReduce, reuse, recycle. Questioning what we truly need to operate, what we can reuse, and whatwe can recycle is a core principle of our operational processes.Our office is committed to furthering a path toward paperless business processes and transactions. We have reduced our office waste by 50% since 2000. Our office waste is also shredded andrecycled. This program was started in the 1970s and fully implemented in 2006.In our egg farming and processing, we have reduced our waste disposal by 95% since 2000through increased bulk recycling. We recycle cardboard, paper, carton pulp, poly plastic, and PETplastic. All plastic containers used in our almond farming are recycled. Egg cartons are manufactured with recycled materials. We use both recycled plastic cartons and recycled molded pulpcartons.In our almond farming, we implement progressive industry programs. The almond industry hasset the goal to be zero waste by 2025. Almonds are already a very low-waste product, with hullsand shells being used as feed stocks, biochar, and animal bedding. The industry is also investing inresearch to find new uses for these co-products. Whole-orchard recycling at the end of an orchard’slife also creates a positive use for the almond trees, avoiding waste and helping sequester carbon.12

Regenerative/Carbon FarmingAgriculture is in a prime situation to help with climate change,especially through carbon sequestration. When carbon isstored in the soil, it results in many environmental benefits. Onthe other hand, most other places where carbon ends up, suchas in the atmosphere or the oceans, leads to negative environmental consequences. Carbon sequestration is a natural process that uses plant photosynthesis and soil ecology to storecarbon in the soil long-term, with many benefits to climatechange, soil health, and the water-holding capacity of the soil. We have a Carbon Farm Plan in place on our largest orchard that is being implemented in orderto maximize the amount of carbon we can sequester on our land. We received a grant from Zero Foodprint to implement practices identified as most beneficial tocarbon sequestration in our Carbon Farm Plan. Whole Orchard Incorporation/Whole Orchard Recycling has been implemented on 500 acres ofour orchards, sequestering potentially 50 metric tons of CO2e per acre, with another 150 acresplanned by 2025. Instead of burning orchard prunings, we shred them and incorporate the chips into the soil as acarbon source (since 2001). Reduced tillage is used. We till only 25% of an orchard in a year to incorporate the manureamendments for food safety and nutrient efficiency and to avoid losses to the atmosphere. Composted manure from our chickens makes up over 95% of our nutrient requirements. We useminimal synthetic fertilizers only when deficiency situations arise. Cover crops are planted on over 65% of our orchards. Orchards that do not have a planted covercrop have resident vegetation growing between the trees. Cover crops are used to increase thecarbon sequestered in our soils. Hedge rows, trees, and other woody plantings have been incorporated around chicken barns andorchards to mitigate dust and to increase carbon sequestration on our land.13

Distributing and Purchasing LocallyGemperle Family Farms is a local family farm. This local focus enables our farm to reduce its carbonfootprint unlike other egg brands that may truck their eggs as far as 2000 miles. We farm and distribute locally in California and source locally whenever possible. Our almonds are hulled andshelled at our grower-owned cooperative and then sent to Blue Diamond, another grower-ownedcooperative. This cooperative supports many small family owned and operated almond farms. Wehave been a part of Blue Diamond since 1970, with multiple generations staying committed to thevalues of cooperative farming arrangements. The majority of Gemperle Farms Eggs, approximately 85%, are sold locally in Northern California andare shipped within a 100-mile radius. Our eggs can be purchased directly from the farm at our eggstore in Turlock. The remainder of our eggs are sold locally in California. Feed is milled locally within 15 miles of our farms. Commodities are either sourced locally or shippedvia rail directly to our cooperative feed mill, thus greatly reducing our carbon footprint for our grainusage. Rail transportation has one of the lowest carbon footprints of available transportation systems. According to the US Department of Transportation, rail has 1/7 the total emissions of trucktransportation.Air Quality/Greenhouse Gas ReductionOur egg and almond production processes include strict management procedures to control andlower greenhouse gas emissions. Controlling these emissions from chicken barns and almondorchards are key operating principles. Our practices are some of the strongest in the egg andalmond farming industries. Our poultry division has used advanced ventilation engineering to dramatically reduce our PM5 and PM 10 emissions to promote a healthierenvironment where our employees and henscan thrive. It is our responsibility to ensurethat the species with which weshare our planet are not only ableto survive, but to thrive.Our eggs are produced with a much lower carbon footprint than they had 10 years ago. Much of thesavings comes from a reduction in feed use, which reduces methane emissions from waste and reduces the CO2 related to transport. We have also reduced energy consumption dramatically.14

We participated in the Cool Farm Tool CO2 equivalent emission reduction study and made changesthat reduced CO2 equivalent emissions at our organic egg ranch by 25%. We have started on remodel plans to upgrade facilities and further reduce emissions. Our almond production division works in conjunction with our poultry division to use a substantialpercentage of our poultry manure in-house, therefore reducing the need for chemical fertilizers,which are a significant source of greenhouse gas (GHG) emissions in global agriculture. All manureis applied using precise nutrient management to reduce nitrate leaching into groundwater andwaterways (since 1960s). We planted wind breaks aroundour poultry barns to improve dustmigration from our facilities. We shred all of our orchard pruning and incorporate the chips intothe soil as a carbon source, insteadof burning them (since 2001). Whole Orchard Incorporation/Whole Orchard Recycling has beenimplemented on 500 acres withanother 150 acres planned by 2025. This has been integral in our avoidance of burning orchards atthe end of their life and has sequestered potentially 50 metric tons of CO2e per acre. We have been able to reduce dust pollution during harvest by switching to low-dust harvest equipment as well as implementing many best-management practices. Unpaved roads are managed to avoid dust, and soil erosion is avoided on all orchards. Our almond farm’s photovoltaic solar system has produced 1,257.948 MWh over its lifetime andavoids approximately 160 tons of CO2 emissions per year. We converted 16 old tractors to new tractors with Tier 4 engines that are less polluting. Electric utility terrain vehicles are used in orchards to further reduce fossil fuel usage. Orchards are managed to minimize the amount of tractor passes needed, reducing emissions.15

BiodiversityIt is our responsibility to ensure that the species with which we share our planet are not only able to survive, but to thrive. We work not only to minimize our impact on wildlife, but to provide habitat, food, andnesting sites as well. We know that working with nature is the way to have a successful farm. Our orchards have been certified as Bee Friendly Farms through the Pollinator Partnership, and we haveparticipated in outreach to get more farms certified. We have planted monarch habitat on our land, including planting seed mixes and milkweed plants in collaboration with Monarch Joint Venture. Hedgerows have been planted along orchard boundaries to provide habitat and food sources for pollinatorsand other insects. Cover crops are planted on over 65% of our orchard. We source seeds from Project Apis m. through theSeeds for Bees program in order to plant species that provide healthy forage for bees. We have participated in the Seeds for Bees program and other cover crop programs since 2001. We have installed nesting perches for raptors and barn owl boxes for owls to nest in. Some of our land is maintained as habitat for wildlife.16

People: Employees andWorkplaceAt Gemperle Family Farms we strive to create a workenvironment that is safe, secure, and able to providea living wage for workers and their families. Over half(64%) of our employees have been with us for morethan 5 years. Workers who show initiative have opportunities to advance to leadership positions. Additionally, we encourage employees to be innovative with farming practices to create a more efficient andsafe work environment. Our company currently follows international BSCI (Business Social Compliance Initiative) guidelines related to worker social welfare.Employee Health and BenefitsEmployees receive medical healthcare benefits as well asdental benefits, vacation pay, and profit-sharing retirementaccounts. Cost-of-living raises are given on a yearly basis. Aportion of employees receive holiday pay or performancebased bonuses. In addition, each employee can receive upto two flats of highly subsidized eggs weekly.Employee Safety and TrainingEmployee safety is an integral part of our management best practices. We are continually improvingour occupational health and safety practices. Almond employees receive annual training related to equipment and pesticide safety. Egg-farming employees receive rigorous training in safety, ergonomics, biosecurity, animal welfarestandards, and proper equipment use. Conversion of barns to cage-free egg production has improved worker ergonomics and safety. Our processing plants go through Costco’s rigorous social welfare audits, which include a safetycomponent. Our processing plants have also gone through extensive automation to reduce repetitive motion andtwist injuries and trip hazards.17

Our Food Products: Eggs & AlmondsEnvironmental stewardship is an integral part of how we farm our eggs and almonds. Our philosophy is to leave our land in better condition than we received it, so that the next generation can continue farming and caring for the land. A deep sense of respect for all living beings is embedded inour farming practices—from respecting the microorganisms in our soil to respecting our hens thatproduce nutritional and healthy eggs.Our Animal Welfare ProgramOur Gemperle Farms animal care program, along with our certifications, are among the strongest inthe farming community. Our flocks are provided the highest quality care and nutrition. All our hensroam and fly free in modern aviary-style barns with enrichments.Gemperle Farms became 100%cage-free in May 2021. All ourhens live in aviaries and are free tofly, perch, dust bathe, and scratch andparticipate in healthy hen behavior.Keeping our hens healthy and disease-free is avital component of our animal care program.We collaborate with veterinarians, consultingveterinarians, and poultry specialists and striveto have healthy, productive flocks. Our henscontinuously have access to our custom formu-lated high-quality feeds, as well as clean filtered water, appropriate lighting, and management practices designed for optimal animal well-being. Animal welfare certifications include Certified Humane (Humane Farm Animal Care), AmericanHumane Certified (American Humane Association), UEP Certified (United Egg producers), and Certified Organic through QAI (Quality Assurance International). Gemperle Family Farms became 100% cage-free in May 2021, sevenmonths ahead of schedule. All our hens roam and fly free in aviarybarns with enrichments such as litter to dust bathe, perches,scratching pads, and nest boxes to lay eggs.18

Integrative Almond and Egg FarmingWe farm just over 1000 acres of almonds, including many different varieties, including Nonpareil,Independence, Sweetheart, Butte, Padre, and others. Our almond farms work in symbiosis with ourchicken farms, and each benefits from the other. Although all of our almonds are produced usingsustainable practices, some orchards have been Certified Organic and Certified Transitional Organicthrough CCOF (California Certified Organic Farmers).Research Collaboration & Science-Based FarmingWe believe in science-based, sustainable farming. We collaborate as much as possible on researchprojects to improve farming to sustain a healthy environment for future generations. We have research orchards and have participated in poultry research.19

The Gemperle Farms Almond division has ongoing proprietary science-based research and has participatedin collaborative research with USDA, UC Davis, UC Berkeley, UC Merced, and CSU Stanislaus, as well as research and outreach projects with the following organizations:East Stanislaus Resource Conservation DistrictCalifornia Climate and Agriculture Network (CalCAN)California Association for Family Farms (CAFF)Project Apis m.Monarch Joint VentureAmerican Farmland TrustCarbon Cycle InstituteSustainable StanislausAQUA4D and Corigin (private companies)Researchers from USDA, UC Davis, UC Berkeley, UC Merced, and CSU StanislausUC Merced Capstone Ag EngineeringOur egg farms have ongoing proprietary science-based research as well as collaboration projects over theyears with the following organizations: Cool Farm Alliance: Collaborative research to model CO2 emissions from our organic facilities. Gemperle FamilyFarms helped Cool Farm Alliance refine their CO2 emissions model to cover distribution and improve sequestration modeling for orchards. Biogas Research: Worked with multiple biogas companies researching the applicability of biogas generationfrom chicken manure. UC Davis: Participated in compost project research. ONCE Lighting and Facco USA: Low wattage lighting research that helped develop low wattage lights in collaboration with two light vendors. Facco USA: Worked with Facco USA in developing an energy-efficient, animal-friendly environment for hens.Also developed an ergonomically friendly environment for the workers to reduce workplace injuries. San Joaquin Valley Air Board: Collaborative research to reduce PM 5 & PM 10 dust emissions and improveenergy efficiency. Aqua 4 D Water Treatment Company: Collaborative research to treat water without salt or chemicals, e

natural capital is an economic asset that benefits the local com-munity and the world community at large. . tices designed for optimal animal well-being. Animal welfare certifications include ertified Humane (Humane Farm Animal are), American Humane ertified (American Humane Association), UEP ertified (United Egg producers), and erti- .

Related Documents:

INSTALLATION PROCEDURES FOR THE G9 EPORT The G9 ePort works in vending machines with one or two full bill acceptor openings, allowing the acceptance of credit/debit transactions by using Card Swipe or RF technol-ogy payments. The G9 ePort solution works with

Apr 23, 2019 · www.ambest.com Page 1 of 5 Printed April 23, 2019 B EST’S R ATING R EPORT GeoVera Insurance Company BEST’S RATING REPORT A M BEST a A Exc el n t F i n an c i l Streng t h R n g GeoVera Insurance Company 145

attaged is a part 21 eport from ie t%il unit - room 359 e/w, n.;4; n ,, part 21 identification no.-fo - mr-oco c0fpaw imfe.4 ch o c date of etter. %/fo docket t0. 9o - y/ 6 j'o - f 7 date distribut

broadcasting to minority language development what role does Scottish Government see for Gaelic in public service broadcasting? The Chairman welcomed Margaret Mary Murray, BBC ALBA, and Donald Campbell, MG ALBA, to address the conference. 5 R eport from Gaelic Broadcasting Conference, Edinburgh, 15 March 2016 Donald Campbell MG ALBA and BBC ALBA were delighted to hear people’s views. MG ALBA .

FIRM Database Technical Reference Guidelines and Standards for Flood Risk Analysis and Mapping Page 2 FIRM Database Technical Reference 1. FIRM Database Overview The FEMA FIRM Database will store the digital GIS data used in the map production process, as well as tabular information inside the Flood Insurance Study (FIS) r eport. The

LETTERS https://.org10.103841477-021-00852-x 1Stat e at w ersity heng 2Ric esear Institut e ersity heng 3Depar athology ersit Da a 4T e at rot esear olleg University 5T ontribut w j316wenmingwang@sicau.edu.cn MRNA168 (R168) e RNA Argonaute1 (AGO1), RNA- omplex 1,2.Previously, eport R168

diatomaceous earth around perimeter of garden. Trap using pie tins filled with beer or collect from underneath boards set out as traps. LAWNS F35. Rust Orange powder on blades. Fertilize and irrigate (irrigate mornings only). Collect clippings. Fungicides rarely needed. Goes away in 2–3 weeks. F34. Thistle, perennial weeds Spray in mid to .

Fiction Excerpt 1: The Adventures of Tom Sawyer (retold with excerpts from the novel by Mark Twain) Saturday morning was come, and all the summer world was bright and fresh, and brimming with life. There was a song in every heart; and if the heart was young the music issued at the lips. There was cheer in every face and a spring in every step. The locust trees were in bloom and the fragrance .